yeap Russ, but that is exactly what scares the crop outta me, the LIBOR 3-MONTH is still way too high at 4.55. It needs to be at 2 or less to indicate any modicum of trust in the financial sector? At 4.55 it's saying that we're really facing the real possibility of a depression. Credit is so expesnive that neither banks nor industry can afford to borrow 'continuation' money, and that's really a bad signal. Too many investors look too short. You got to look at the macro factors, and they're as volatile as the short termers right now... and that's really bad news